2/3 of the money, 10% of the overall settlement, that was going in cash to the state. of that 10%, we now expect about 2/3 to be used for housing counseling, legal services, programs to help neighborhoods. even that money is going to the things i would have wanted it to go to. there have been some against my better judgment used to fill budget gaps. by and large, if you take 2/3 of 10%, 97% of this money is going where we expected it to go to. i have talked about the benefits. one of the other big parts of the settlement was to change the behavior that led to this crisis.